The cheapest financing is gonna be the DCU program at 1.29% for 65 months, but it certainly won’t result in the most friendly monthly payment. But if you are laser focused on the cheapest out, this is the clear best option in the market right. You will pay very little interest over your short term.
If instead you want to minimize your monthly payment, either a balloon loan or a long term conventional loan will achieve similar objectives for short term ownership. I used a balloon loan on both my Model S and my Model 3. My general approach is to go with a 24 month term and then try to put enough down to bring the loan balance right around the RV. This will result in a very small monthly payment, as you are only basically paying the debt service, for as many months as you plan on keeping it.
You can find alot of good discussion on balloon loans, and other options, in our Tesla discord. See;